Pseudoxanthoma Elasticum & Life Insurance
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Pseudoxanthoma elasticum is something that many people live with, but each person can be affected differently. Part of our role is to discuss your individual circumstances to find the right life insurance for yourself.
Things we’d need to know:
- What are your symptoms?
- Do you take medication to control this?
- Has your eye sight been affected?
- Have you had any heart related complications?
- Have you needed surgery?
Life insurance for those with pseudoxanthoma elasticum will usually need to be reviewed by the insurance provider on a case by case basis. The insurer will want to see a report from your GP to establish how the condition affects you personally. The insurer often would like to know if there are any complications to the blood vessels, any pain that you experience and any secondary conditions that are present. An insurer requesting a medical report from a GP is quite common practise, please do not be worried if this is asked for.
It is likely that any cover for Life Insurance that can be made will be at non-standard terms which will involve an increase to the base policy premium. This doesn’t mean that it’s going to be silly prices.
In some cases where surgery is due to happen or the condition is causing significant difficulties in your day to day life, you may find that some insurers will postpone or decline your application. Our advisers are trained to help you and find alternative insurers that will be able to meet your needs.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical illness cover for people with pseudoxanthoma elasticum will not generally be available with most standard insurers. Any application that you place for critical illness cover will be reviewed in conjunction with a report from your GP and will include details such as the time since diagnosis, strength of symptoms and treatments in use.
The insurer will be particularly interested in any complications that you experience with your heart and eyes, to determine if your condition means that you are at a greater risk of claiming on this policy.
Critical illness cover applications for people living with pseudoxanthoma elasticum will need to be assessed on a case by case basis with the insurers senior underwriting team. Where critical illness cover is not available on the standard market, we do have some specialist insurers that we can approach for you.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people living with pseudoxanthoma elasticum is often unavailable in the standard insurance market. The insurance provider that you approach will want to know if the condition has impacted upon your ability to work, the frequency and strength of your symptoms, and any secondary conditions that you have.
The insurers senior medical underwriting team will review applications on an individual basis for the best possible outcome.
Where income protection is unavailable it may be worthwhile considering accident, sickness and unemployment cover. This type of policy will offer 12-24 months of income replacement if you are unable to work due to disability, long-term illness or involuntary redundancy.
Accident, sickness and unemployment policies are not medically underwritten which means that your pseudoxanthoma elasticum will have no bearing upon the policy acceptance terms. However any claim that you place will exclude pre-existing medical conditions including pseudoxanthoma elasticum.
What is Pseudoxanthoma Elasticum?
Pseudoxanthoma elasticum is an inherited condition that is diagnosed when fragmentation and calcification occurs within the elastic fibres of the skin, causing the skin to take on a cobblestone-like appearance. Affecting more women than men the condition leads to complications within the retinal, dental, cardiovascular and gastrointestinal systems.
Also known as: PXE
Linked with: Joint hypermobility, atherosclerosis, hypertension, coronary artery disease, angina, myocardial infraction, Ehlers-Danlos syndrome, Marfan’s syndrome, Buschke-Ollendorff syndrome, Fe-deficient anaemia, diabetes mellitus, heart attacks
Some potential problems experienced by individuals who have pseudoxanthoma elasticum include:
- Skin lesions
- Retinal haemorrhage
- Mitral valve prolapse
- Mitral regurgitation
- Avoid heavy lifting
- Avoiding contact sports
- Dietary considerations
- Family planning considerations
- Medication considerations
- Regular eye exams
- Self-monitor of visual ability using an Amsler grid
- Self-monitor for signs of gastrointestinal bleeding
- Use of dietary supplements
Thank you for getting in touch. The difficulty that people can have when looking at online comparison sites is that the price that is shown doesn’t take into account a person’s health. The pricing is based upon someone having no health conditions, no family medical history, a safe working environment and not doing any super intense sports.
The pricing that is shown on these sites is true for people that can answer no for most questions. It can then make it quite frustrating when you see your premiums come back higher than this. When we are helping someone to find insurance we make sure that we tell then the price that we believe the insurer is going to charge, once medical underwriting has happened. Whilst this doesn’t change the fact that the price is increasing, it means that we are giving the option from the start to decide if the premium is something that you would like to consider.
Hi, thank you for reaching out to us, we would be delighted to help you. We have access to many insurers on the standard market and some specialist ones that we can go to too. One of our advisers will be in touch to help you find the right insurer for you.
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